# BANK OF LINDSAY
LINDSAY, NE · FDIC certificate 19087 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $97.9M | |
| Deposits | $71.2M | |
| Loans and leases | $78.9M | |
| Total equity | $9.4M | |
| Loans / deposits | 109.79% (p97 of band) | 73.59% |
| Liquid assets / assets | 12.37% (p7 of band) | |
| Uninsured deposits / deposits | 26.74% (p74 of band) | 19.81% |
| Brokered deposits | 20.87% | |
| Wholesale funding | 37.69% (p99 of band) | |
| FHLB advances / assets | 16.83% | |
| Tier 1 leverage | 10.09% (p26 of band) | 11.76% |
| Unrealized securities loss / equity | -4.26% (p60 of band) | -6.57% |
| AOCI / equity | -0.01% (p70 of band) | |
| ROA (annualized) | 0.46% (p17 of band) | 1.17% |
| Net interest margin | 3.10% (p15 of band) | 3.93% |
| Efficiency ratio | 83.10% (p83 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 35% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $364,000 (0.46% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.0% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-09 | 1 |  | wholesale funding >15% |
| 2011-12 | 2 | wholesale funding >15% |  |
| 2012-03 | 1 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2012-12 | 3 | deposits shrinking |  |
| 2013-03 | 0 |  | loans exceed deposits, wholesale funding >15%, deposits shrinking |
| 2013-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 3 | loans exceed deposits, wholesale funding >15%, uninsured deposits leaving |  |
| 2015-03 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2015-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2015-09 | 2 |  | uninsured deposits leaving |
| 2015-12 | 3 | wholesale funding >15% |  |
| 2016-03 | 4 | capital falling |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 | deposits shrinking | capital falling |
| 2016-12 | 4 | uninsured deposits leaving | deposits shrinking |
| 2017-03 | 3 |  | uninsured deposits leaving |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | uninsured deposits leaving |  |
| 2017-12 | 3 |  | uninsured deposits leaving |
| 2018-03 | 4 | assets shrinking, uninsured deposits leaving | wholesale funding >15% |
| 2018-06 | 2 |  | liquid assets <10%, assets shrinking |
| 2018-09 | 2 | wholesale funding >15% | uninsured deposits leaving |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 6 | liquid assets <10%, losing money, expense ratio p90 |  |
| 2019-06 | 3 |  | capital falling, losing money, expense ratio p90 |
| 2019-09 | 2 |  | liquid assets <10% |
| 2019-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2020-03 | 6 | brokered >10%, liquid assets <10%, capital falling | deposits shrinking |
| 2020-06 | 4 |  | liquid assets <10%, capital falling |
| 2020-09 | 5 | liquid assets <10% |  |
| 2020-12 | 4 |  | liquid assets <10% |
| 2021-03 | 4 | liquid assets <10%, capital falling | uninsured deposits leaving, brokered >10% |
| 2021-06 | 2 |  | liquid assets <10%, capital falling |
| 2021-09 | 3 | brokered >10% |  |
| 2021-12 | 4 | liquid assets <10% |  |
| 2022-03 | 3 | capital falling | brokered >10%, liquid assets <10% |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 3 | liquid assets <10% |  |
| 2022-12 | 4 | brokered >10% |  |
| 2023-03 | 5 | capital falling, deposits shrinking, assets shrinking | liquid assets <10%, brokered >10% |
| 2023-06 | 3 | liquid assets <10% | capital falling, deposits shrinking, assets shrinking |
| 2023-09 | 3 | brokered >10% | liquid assets <10% |
| 2023-12 | 5 | liquid assets <10%, capital falling |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 3 |  | brokered >10%, capital falling |
| 2024-09 | 4 | brokered >10% |  |
| 2024-12 | 5 | capital falling |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 3 |  | liquid assets <10%, capital falling |
| 2025-09 | 4 | liquid assets <10% |  |
| 2025-12 | 3 |  | liquid assets <10% |
| 2026-03 | 4 | capital falling |  |
| 2026-06 | 3 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-01 [Danny Seibel, Cody Cordell plead guilty in Lindsay bank fraud case, Shaun Christian charges pending - nondoc.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxOTlhnbmpYWDdxYmdfb2JVR1pnbmxmSGw0bWVTS1lYUGlnWU5GRVRmUnJDeXNiS0JnWTZYVmxDeko5N0E0Yzh2SUhwQy15SlVuUGdaczI3RmxENWVMY3l3N1VnTTdFaVJhNHdkU3ViRC1jZG9JYlN3NlRkcmpQcUgwVkV3c3BadXJlcUNKS2VjTXlJdlpSTTJBZ1kxbFhUby1OaTlBa2ZvZ2tsLTVtRDFzal9hX184S0hKTGhuODhybHVVVlNoWk00?oc=5) · nondoc.com
- 2026-05-12 [Former exec of failed Lindsay bank pleads guilty to fraud - southwestledger.news](https://news.google.com/rss/articles/CBMikwFBVV95cUxQRVZTRlJkcDVuMGJQNU52T1VHTC05MXhZMHFlZm1vQUM1LXhqNUd6aFlvQ3hrWWF2RGl0bkFrODNXanhNUURiU0FqU00xZi1tWW1vRC1zdlduU2U5S21xeDVPMDdYd2tyejZ2b2p5VFZuNFlXWG5lUE9qM0twNjk2VkZHd0o4Vnk4dE1qMFh5azNWNFE?oc=5) · southwestledger.news
- 2025-12-05 [Ex-CEO of failed Oklahoma bank indicted on fraud charges - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxOSzBpUm13cklhczk2NXQ0YWw4X052Y0pBR3pIemhjNkFxWWQ0SE1iQWhGbDZFM1NrNW5lNlFFRmJSOHQ2ZGNJM0dFX2dhd3hRZEtqTFNzWW5XbHotZ3h5RndBdzUzaVZpaHFTcGVsV0ZhZFhtMUFvUnM4cmZfQTJGV3E1WnBzV0ZDQkc2OENnT1plcndoYkdubUVDRnJCVUlSNWl3RGpn?oc=5) · Banking Dive
- 2026-05-22 [Former Oklahoma bank CEO pleads guilty to federal bank fraud - journalrecord.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPS1lyMXRTeGRPSC05OXVBLTZMa0RLNHNvNGxKc0lWOGpMNHpJYnVmZ2Y1MjFuUDVkMm9wWTgwRmlBUGk4cWl4am1mVUgxS0JaQ2tlTUlERjdzcl9fOGxnV3kwbW5UN1hXN1JKZDRzT1hVYTZoYTZhOWkxREFJNjd3Zl9CZy1aS3QyUldSRHJvNDFPMV9ObkRON25Sdw?oc=5) · journalrecord.com
- 2025-12-04 [Former president of failed Oklahoma bank indicted for wire fraud - KOKH](https://news.google.com/rss/articles/CBMimgFBVV95cUxPWllydUZ0ZWNfcXdNX2RPeXhuV3FDNGl2UnB0LTJvVXNUd3FLVXYxVlpGTEJWa3FsMEQwTjAxTGtSUVpuQ0R5M1QzMC15SkdTNmVzZWFNb2lER1JnR2J1Y1ZnUWZ6bTl4eF9QMFM0NnpvY3AzYlJwVnNfLTFFZUdWenVKMEVvRnVrekNUd0lySzVOa0lwX1ptWldR?oc=5) · KOKH
- 2026-07-09 [Former bank president pleads guilty to fraud - Purcell Register](https://news.google.com/rss/articles/CBMilgFBVV95cUxQT044WlVSb3FQUXMyZFdobEw2YWoxOEtHQ2pER3BOcHp6WUwwSk8yYkdfRmdWcDhmYndIU1Rjc0Y4cGdha3Q1MUtCVVQ1QVh5QU40X1VIdFhEdkRscTUzckpfaFRzOUEzR0d2eGNzaGw0QmxWNThmVzdrb09CM21BQmFmOWZXQ3R6MGFVd2lfYlh1Uy1ITGc?oc=5) · Purcell Register
- 2025-12-05 [Former president of failed Oklahoma bank indicted for fraud - News 9](https://news.google.com/rss/articles/CBMijAFBVV95cUxPY00zMmtXXzFjWTVHNVBJbzk3ZXo4WWt4OEJZdFpNb1NnaTRvSFZCWUljc2MzNm5ULWYxNk5KTHpWX19ONHVybXNFRW5OdWpwNm9FbGowdzNBNGFpVVVOZVJQMHZtbDdkWTJnYnRYdXRGWDd0MFBrZGNUVVVCZ3VJQUhCbnhScjE5c3BwOQ?oc=5) · News 9
- 2025-12-07 [Former bank president indicted for fraud in Lindsay bank closure - KOCO](https://news.google.com/rss/articles/CBMimwFBVV95cUxObVJLdXdERFpRZjBBOU9ZWHJ0Z3V2QkJZMktpTVdiQnlhN1l5TGpvNDhpZVhJVWJzcmdnd2E5bDZ5TTAyWTBQc2FSNjZNb3dkVGVTTlhsVjdrelVnUDM0dUlDSG1oeW1OZFljVDcyNENUYVh4ek1SUFNSR0d1azhNNzRjTjQxMlV5LUk5V2o0cWdIZDJ0a0lMdjNwaw?oc=5) · KOCO

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19087 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/15.json (key "19087", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide